Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

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No Annual Fee Credit Cards

cardsThere are many, many no annual fee credit cards on the market, and, provided you have good credit, there is no reason to pay a fee to carry a credit card. The list below includes choices from major banks and retailers offering no annual fee credit cards, but this list is by no means exhaustive.
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Gas Credit Cards

chevron-texaco-credit-cardWhen the price of gas spikes, people look for ways to ease the pain — and gas credit cards are one answer. Some gas credit cards give you discounts on your gas purchases, while others offer you greater rewards when you buy gas, making the price a bit easier to swallow. Some gasoline cards are tied to a specific gas station chain, while others offer rebates across the board on gas purchases. Check out the credit cards below to see which gas credit card fits your needs and spending patterns:
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Visa Credit Cards

visa_logoIf you have a personal preference for Visa credit cards over MasterCard, American Express or Discover, we’ve made this list of some of the most popular Visa credit cards on the market today:
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Review: Golfsmith Credit Card

golfsmith-credit-cardGolf equipment and apparel retailer Golfsmith, in partnership with Synchrony Bank (formerly GE Capital Retail Bank), offers a credit card that allows you to finance your pricey golf purchases with no interest, but the devil is in the details. See our overview / review below to see just what that means:

The Golfsmith credit card can only be used at Golfsmith stores and Golfsmith online. This limited usage is something to consider: do you really want to open a new credit line just for golf purchases?
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First Premier Credit Card Payment, Login, and Customer Service Information

first_premier_credit_cardIf you are a First Premier Bank credit card holder, the information below will give you all you need to know about making a payment online or by mail, and how to reach customer service if you need help:

  • If you want to pay your First Premier Bank credit card balance online, go here to log in to your account and make a payment. Note that if you haven’t paid online in the past, you will have to enroll for online access and pay a $4.95 fee to do so. (Which is ridiculous — banks actually save money when you manage your account online, so First Premier is charging you for something that actually costs them less.)

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Are You Better Off Filling Out An Online Credit Card Application or Waiting For Credit Card Applications In The Mail?

credit-cards-smallAt a previous job reporting on credit cards, I was chided by a rep from one card company for discussing the specifics of certain credit card offers, such as interest rate, rewards program terms, introductory rates, etc. His logic was this: the credit card offers that you see on the Internet are not necessarily the same as the credit card offers that come to your mailbox, so it was impossible to specify the terms for any particular card.

For example, you might go to one of the big banks’ Web sites and decide to apply for a rewards credit card only to get an offer in the mail days later that actually offers a better rewards formula. Or you might see an offer for a 0% rate on purchases for 6 months online, only to get a mail offer of 0% on card purchases for 12 months. Conversely, you might get rejected for a card offer online, only to get mail days later from the same company offering you the same card with slightly worse terms than the card you saw online.
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Choice Privileges Visa Payment, Login, and Customer Service Information

choice-hotels-credit-cardThe Choice Privileges credit card is issued in partnership with Barclays Bank, and it is Barclays you will interact with when it comes to paying your bill online or by mail, or if you need customer service help. All the information you need to complete any of these tasks is below:

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Discount Tire Credit Card Payment, Login, and Customer Service Information

discount-tire-credit-cardThe Discount Tire credit card is issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony Bank you will interact with in order to pay your bill online or by mail, or to get customer service information. Below you’ll find all of the information you need to complete any of these tasks:

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Low Interest Credit Cards

cardsBelow is a listing of the lowest interest credit cards on the market today, with a link to the card’s page or online application. Note that some of these cards may offer a low rate, but may also use that rate to draw you in and then actually approve you at a higher rate. Below we have noted the lowest rate each card offers AND any higher rate you might get instead, if applicable. Also, we have only listed cards that have no annual fee.
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Unsecured Credit Cards For Bad Credit

bad_creditIf you have bad credit and you’re looking for a credit card, it’s easy to get a secured credit card that charges an annual fee, but it’s more difficult to be accepted for an unsecured credit card with no fee. We’ve created a list of unsecured credit cards that you might apply for even with bad credit. There is no guarantee any of these will accept you, but these are cards that either work with average to poor credit people, or have been rumored to give a second chance to those with bad credit.
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Review: NBA Credit Card

nba-credit-cardThe National Basketball Association offers American Express credit cards for all NBA teams via a partnership with BBVA Compass, giving you the opportunity to earn rewards such as NBA merchandise and unique NBA experiences. However, you’ll pay a $50 annual fee for the privilege. Below we offer our complete overview / review of the cards:

NBA credit cards are accepted anywhere American Express cards are accepted, which is most merchants worldwide. Note, however, that this card is not being offered directly from American Express but instead by BBVA Compass. If you get the card of your favorite team, you will become a BBVA Compass customer.
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NBA Credit Card Payment, Login, and Customer Service Information

nba-credit-cardNBA American Express Cards are issued in partnership with BBVA Compass, and it is BBVA Compass you will interact with in order to pay your NBA credit card bill online or by mail, or to get customer service assistance. Below you’ll find all the information you need to complete any of these tasks:

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0% Balance Transfer Credit Cards

zero-percent2If you have a significant balance on your current credit card, it makes sense to find a new credit card that will let you transfer that balance and let it sit at a 0% interest rate while you pay it off. The credit cards below all offer a zero percent balance transfer rate for a limited period of time and have no annual fee:
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Review: Citibank Credit Cards

citi_logoBelow are short overviews / reviews of the most popular Citibank credit cards, also known as Citi credit cards or Citicards:

  • The Citi Diamond Preferred Card offers the lowest possible interest rate of any Citi card, at 11.99% (if you qualify, that is; note that you could be approved at a higher interest rate, as high as 21.99%). It also offers a 0% rate on purchases and balance transfers for 21 months, a very, very good deal. (Note that there’s a 3% fee on balance transfers.)

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Nordstrom Credit Card Payment, Login, and Customer Service Information

nordstrom-credit-cardNordstrom offers its branded credit cards through its very own Nordstrom Bank, which is the financial institution you will deal with when it comes to paying your credit card bill online or by mail, or to get customer service help. All the information you need to accomplish any of these tasks is below:

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